CREDITACCESS GRAMEEN LIMITED

rs,

timates, targets, opinions, contained herein, and no liability whatsoever is accepted as to any errors, omissions or misstatements contained herein and, accordingly, none of the Company, its advisors and

2.9%

tion in all states excl. Karnataka GLP (INR Cr) Borrowers (Lakh) Disbursements (INR Cr) 25,948 -2.9%/ -1.1%* +4.6%/ 6.5%* 46.94 -4.6%/ -2.0%* -2.3%/ 0.3%* 6,472 -19.6% +27.3% Collection Efficie

1.1%

all states excl. Karnataka GLP (INR Cr) Borrowers (Lakh) Disbursements (INR Cr) 25,948 -2.9%/ -1.1%* +4.6%/ 6.5%* 46.94 -4.6%/ -2.0%* -2.3%/ 0.3%* 6,472 -19.6% +27.3% Collection Efficiency (Ex

4.6%

ates excl. Karnataka GLP (INR Cr) Borrowers (Lakh) Disbursements (INR Cr) 25,948 -2.9%/ -1.1%* +4.6%/ 6.5%* 46.94 -4.6%/ -2.0%* -2.3%/ 0.3%* 6,472 -19.6% +27.3% Collection Efficiency (Excl. Arr

6.5%

xcl. Karnataka GLP (INR Cr) Borrowers (Lakh) Disbursements (INR Cr) 25,948 -2.9%/ -1.1%* +4.6%/ 6.5%* 46.94 -4.6%/ -2.0%* -2.3%/ 0.3%* 6,472 -19.6% +27.3% Collection Efficiency (Excl. Arrears)

2.0%

INR Cr) Borrowers (Lakh) Disbursements (INR Cr) 25,948 -2.9%/ -1.1%* +4.6%/ 6.5%* 46.94 -4.6%/ -2.0%* -2.3%/ 0.3%* 6,472 -19.6% +27.3% Collection Efficiency (Excl. Arrears) % 91.9% (92.4% in Ma

2.3%

Borrowers (Lakh) Disbursements (INR Cr) 25,948 -2.9%/ -1.1%* +4.6%/ 6.5%* 46.94 -4.6%/ -2.0%* -2.3%/ 0.3%* 6,472 -19.6% +27.3% Collection Efficiency (Excl. Arrears) % 91.9% (92.4% in Mar-25) C

0.3%

wers (Lakh) Disbursements (INR Cr) 25,948 -2.9%/ -1.1%* +4.6%/ 6.5%* 46.94 -4.6%/ -2.0%* -2.3%/ 0.3%* 6,472 -19.6% +27.3% Collection Efficiency (Excl. Arrears) % 91.9% (92.4% in Mar-25) Collect

19.6%

bursements (INR Cr) 25,948 -2.9%/ -1.1%* +4.6%/ 6.5%* 46.94 -4.6%/ -2.0%* -2.3%/ 0.3%* 6,472 -19.6% +27.3% Collection Efficiency (Excl. Arrears) % 91.9% (92.4% in Mar-25) Collection Efficiency (I

27.3%

ts (INR Cr) 25,948 -2.9%/ -1.1%* +4.6%/ 6.5%* 46.94 -4.6%/ -2.0%* -2.3%/ 0.3%* 6,472 -19.6% +27.3% Collection Efficiency (Excl. Arrears) % 91.9% (92.4% in Mar-25) Collection Efficiency (Incl. Arr

91.9%

46.94 -4.6%/ -2.0%* -2.3%/ 0.3%* 6,472 -19.6% +27.3% Collection Efficiency (Excl. Arrears) % 91.9% (92.4% in Mar-25) Collection Efficiency (Incl. Arrears) % 92.2% (93.0% in Mar-25) GNPA (GL: 60+

92.4%

4.6%/ -2.0%* -2.3%/ 0.3%* 6,472 -19.6% +27.3% Collection Efficiency (Excl. Arrears) % 91.9% (92.4% in Mar-25) Collection Efficiency (Incl. Arrears) % 92.2% (93.0% in Mar-25) GNPA (GL: 60+ dpd, RF

“Karnataka) 68.9% • Stabilizing asset quality led by declining PAR trend across all states, offset by elevated delinquencies in Karnataka • Around 5% new PAR 0+ accretion in Karnataka in Q4 FY25, primarily due to the impact of Karnataka ordinance.”

“On-Book Loan Portfolio (non-annualised) www.creditaccessgrameen.in 14 FY26 Guidance Factoring The Potential Opportunities & Challenges Key Indicators GLP Growth % NIM % Cost-to-Income Ratio % FY25 Guidance 14.0% - 18.0% 12.6% - 12.8% 32.0% - 34.0% Credit Cost (Provisions + Write-offs): % of Avg.”

“In the event of any favourable / adverse industry developments, the Company may reassess the guidance.”

“5.07% Write-off INR 1,124 Cr CRAR Total 25.4% CRAR Tier 1 24.5% Branches 2,063 (+4.9% YoY) 100 New Branches Opened * GNPA & NNPA recognition policy (GL: 60+ dpd, RF: 90+ dpd) Total Equity INR 6,956 Cr D/E Ratio 2.9 GNPA*: 4.76% NNPA*: 1.73% PAR 90+: 3.28% Employees 20,970 (+8.1% YoY) Active Borrowers 46.94 Lakh (-4.6% YoY) www.creditaccessgrameen.in 18 Q4 FY25: Key Performance Highlights GLP INR 25,948 Cr (-2.9% YoY) Disbursements INR 6,472 Cr (-19.6% YoY) NIM 12.7% Wgtd.”

Excl. Karnataka

4

Key Highlights

2

Unique Borrowers

2

Provisioning

2

Understanding PAR Impact

1

JLG Benefits

1

Diverse product suite

1

Loan size flexibility

1

Repayment flexibility

1

High touch-high tech delivery model

1

Key Highlights

Mar-25 / Dec-24 / Aug-24 Lender Overlap Unique CA Grameen + 1 CA Grameen + 2 0-2 years 2-4 years 4-6 years >6 years Total % Total Unsecured Indebtedness (INR) 0-2 Years 2-4 years 4-6 years >6 years Total % 9.1% 7.1% 5.4% 12.5% 34.1% <=50,000 5.7% 1.4% 0.8% 1.5% 9.3% 7.7% 7.0% 5.3% 10.9% 31.1% 50,000 to <= 1,00,000 10.1% 6.3% 3.7% 6.4% 26.5% 5.5% 5.2% 3.3% 6.1% 20.1% 1,00,000 to <=1,50,000 6.9% 8.6% 6.1% 11.3% 32.9%

Unique Borrowers

CA Grameen + 3 3.0% 2.3% 1.4% 2.5% CA Grameen + >=4 2.0% 1.3% 0.7% 1.5% 9.2% 5.5% 1,50,000 to <=2,00,000 2.9% 4.6% 3.7% 9.2% 20.4% GLP %: 34.1% / 31.6% / 26.6% >2,00,000 1.6% 2.1% 1.9% 5.2% 10.8% Borrowers %: 31.1% / 29.7% / 26.3% Total % 27.3% 22.9% 16.2% 33.6% 100.0% Total 27.3% 22.9% 16.2% 33.6% 100.0% Total Indebtedness = MFI + Unsecured Retail Finance Borrowers % - Mar-25 Borrower Vintage with CA Grameen Borrowers % - Mar-25 Borrower Vintage with CA Grameen Lender Overlap 0-2 years 2-4 years 4-6 years >6 years Total % Total Unsecured Indebtedness (INR) 0-2 years 2-4 years 4-6 years >6 years Total % Unique 12.4% 6.2% 4.0% 8.5% 31.1% <=50,000 10.8% 3.4% 1.6% 3.2% 19.0% CA Grameen + 1 10.6% 6.2% 4.0% 7.4% 28.3% 50,000 to <= 1,00,000 13.5% 6.6% 3.5% 5.8% 29.4% CA Grameen + 2 CA Grameen + 3 8.0% 5.2% 2.8% 4.5% 20.5% 1,00,000 to <=1,50,000 9.2% 7.1% 4.1% 7.0% 27.3% 5.0% 3.0% 1.4% 2.1% 11.4% 1,50,000 to <=2,00,000 4.0% 3.7% 2.4% 4.8% 14.9% CA Grameen + 4 >= 4.1% 2.3% 0.9% 1.5% 8.7% >2,00

Excl. Karnataka

CA Grameen + >=4 29.4% 30.0% 27.6% 24.1% 27.8% PAR 15+: 2.7% / 3.2% Total % 7.3% 6.8% 6.4% 5.9% 6.6% PAR 15+ Mar-25 Borrower Vintage with CA Grameen Total Unsecured Indebtedness (INR) 0-2 years 2-4 years 4-6 years >6 years Total % <=50,000 50,000 to <= 1,00,000 1,00,000 to <=1,50,000 4.9% 5.9% 8.0% 1,50,000 to <=2,00,000 10.3% 9.2% 6.4% 5.6% 6.8% 5.4% 6.2% 5.5% 6.0% 3.8% 5.6% 5.4% 4.9% 5.4% 6.0% 6.0% 6.3% >2,00,000 Total % 16.9% 11.8% 11.2% 9.6% 11.4% 7.3% 6.8% 6.4% 5.9% 6.6% Borrowers with 4 lenders: PAR 15+: 12.6% / 10.1% / 6.1%

Excl. Karnataka

PAR 15+: 27.2% / 26.1% Borrowers with > INR 2 Lakh unsecured indebtedness: PAR 15+: 11.4% / 9.9% / 5.7%

Excl. Karnataka

PAR 15+: 10.7% / 13.1% Breakup of PAR 15+ of 6.6%: • Unique Borrowers: 1.0% • • • • Borrowers with 2 lenders: 1.4% Borrowers with 3 lenders: 1.4% Borrowers with > 3 lenders: 2.4% Borrowers with > INR 2 Lakh unsecured indebtedness: 1.2% Borrowers with > 3 lenders account for ~41% of overall PAR 15+ Source: CRIF Highmark www.creditaccessgrameen.in 12 Sustained PAR Reduction, Offset By Elevated Delinquencies in Karnataka PAR Trend 6.8% 6.9% Top 5 States % GLP PAR 0+ PAR 90+ PAR 0+ PAR 90+ Dec-24 Mar-25 4.9% 5.1% 1.7% 1.4% 1.2% 0.9% 2.5% 1.8% 1.4% 1.1% 3.3% 3.8% 2.4% 1.7% 2.6% 5.5% 4.3% Karnataka Maharashtra Tamil Nadu 3.3% Madhya Pradesh Bihar Others Total 31.1% 21.5% 19.0% 8.0% 4.8% 15.6% 100% 4.3% 5.0% 8.9% 5.3% 14.8% 10.1% 6.8% 8.0% 1.2% 2.3% 3.2% 2.4% 5.3% 4.5% 2.6% 3.3% 8.7% 3.3% 8.1% 3.8% 12.2% 7.0% 6.9% 6.1% 2.4% 2.1% 4.5% 2.1% 7.3% 4.4% 3.3% 3.7% Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 PAR 0+ PAR 30+ PAR 60+ PAR 90+ Total (Excl. Karnataka) 68.9% • Stabilizing asset quality led by

Provisioning

5.07% Write-off INR 1,124 Cr CRAR Total 25.4% CRAR Tier 1 24.5% Branches 2,063 (+4.9% YoY) 100 New Branches Opened * GNPA & NNPA recognition policy (GL: 60+ dpd, RF: 90+ dpd) Total Equity INR 6,956 Cr D/E Ratio 2.9 GNPA*: 4.76% NNPA*: 1.73% PAR 90+: 3.28% Employees 20,970 (+8.1% YoY) Active Borrowers 46.94 Lakh (-4.6% YoY) www.creditaccessgrameen.in 18 Q4 FY25: Key Performance Highlights GLP INR 25,948 Cr (-2.9% YoY) Disbursements INR 6,472 Cr (-19.6% YoY) NIM 12.7% Wgtd. Avg. COB 9.8% Cost/Income Ratio 31.8% Opex/GLP Ratio 4.7% PPOP INR 634 Cr (-7.1% YoY) PAT INR 47.2 Cr (-88.1% YoY) Collection Efficiency (Excl. Arrears) 91.9% ROA 0.7% ROE 2.7% CRAR Total 25.4% CRAR Tier 1 24.5% Total Equity INR 6,956 Cr D/E Ratio 2.9 GNPA*: 4.76% NNPA*: 1.73% PAR 90+: 3.28%